RTS Article 11: Strong authentication is not required for contactless payment below 50 EUR
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RTS Article 11: Strong authentication is not required for contactless payment below 50 EUR
That’s correct.
If I pay with Apple Pay and bunq no PIN is required. With bunq & mobile payments, a PIN code should never be required. The phone serves as authentication, not a PIN code on the terminal.
If pay contactless with my bunq or ING card, contactless transactions above € 25 require a PIN or if multiple payments under € 25, have a total of more than € 50 in 1 day.
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At this amount no strong auth is necessary, so this payment does not match the question
with the Watch you can pay bills of several hundert Euros.and don't read/click sites like ifun (#bhott) or macwelt ... just clickbait nonsense.
The RTS defines different thresholds:
Payment service providers shall be allowed not to apply strong customer authentication, subject to compliance with the requirements laid down in Article 2, where the payer initiates a contactless electronic payment transaction provided that the following conditions are met:
(a)
the individual amount of the contactless electronic payment transaction does not exceed EUR 50; and
(b)
the cumulative amount of previous contactless electronic payment transactions initiated by means of a payment instrument with a contactless functionality from the date of the last application of strong customer authentication does not exceed EUR 150; or
(c)
the number of consecutive contactless electronic payment transactions initiated via the payment instrument offering a contactless functionality since the last application of strong customer authentication does not exceed five.
Hahaha well it's pretty cool to use, couldn't buy my coffee with it in the morning don't really know why either. The rest went smoothly
PSD2 "Strong customer authentication" does apply to Apple Watch and Apple Pay, look for a more condensed and clear description here:
https://www.adyen.com/blog/psd2-understanding-strong-customer-authentication
We would require two of the following above the thresholds mentioned (like for example transactions of more than 50 EUR):
- something you know
- something you own
- something you are
Apple Watch is something you own, and you can authenticate with something you know (passcode) or are (iPhone Face ID/Touch ID). Since those work in tandem and the authentication is broken whenever the Watch is removed, I think Apple Watch with Apple Pay as is will be fine.
Question is however, and I can't find clear details on this, isn't all of this only related to online transactions?
https://www.adyen.com/blog/psd2-understanding-strong-customer-authentication
We would require two of the following above the thresholds mentioned (like for example transactions of more than 50 EUR):
- something you know
- something you own
- something you are
Apple Watch is something you own, and you can authenticate with something you know (passcode) or are (iPhone Face ID/Touch ID). Since those work in tandem and the authentication is broken whenever the Watch is removed, I think Apple Watch with Apple Pay as is will be fine.
Question is however, and I can't find clear details on this, isn't all of this only related to online transactions?
This regulation specifies the strong authentication and were it is needed: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32018R0389
article 11 mentions the thresholds and is specifically about contactless payments at point of sale
article 11 mentions the thresholds and is specifically about contactless payments at point of sale
Thank you! That is very helpful. It speaks of strong customer authentication, as mentioned above. Apple Watch already utilizes something you own and something you know or are, so Apple Watch payments are valid strong customer authentication payments in every case.
I believe, if you turn off wrist detection, Apple Watch payments are no longer possible.
You can still use it, but every time you want to pay, you have to enter your code.
(tried it just now)
First of all: Sorry but I can't find the tweet any more! It seems to have gone (or been deleted).
High ranking guy PR guy from Societe Generale tweeted that Apple Pay is definitely coming to Germany this week. So does @Holimuk (Rudolf Linsenbarth), so does that Hanseatic Bank guy who posted a tweet a couple of days ago (I shared it in this thread). Tonight will be interesting...
But honestly: Can Apple really leave it all the way into the second week of December (as Ehssan Khazaeli seems to think)? Seems far too late for a launch, especially if things need to be adjusted and the PR machine launched before Xmas. I just don't believe it. The latest launch in a calendar year so far was Spain on the 1st December 2016 and that was with a very small set of banks, nothing close to the German launch.
[doublepost=1543415126][/doublepost]
[doublepost=1543415236][/doublepost]The best AP ad of all is still this one by ANZ Australia...
The sad thing is: Those reactions are real in Germany. "What?! He's paying with his phone?! GET HIM!"
High ranking guy PR guy from Societe Generale tweeted that Apple Pay is definitely coming to Germany this week. So does @Holimuk (Rudolf Linsenbarth), so does that Hanseatic Bank guy who posted a tweet a couple of days ago (I shared it in this thread). Tonight will be interesting...
But honestly: Can Apple really leave it all the way into the second week of December (as Ehssan Khazaeli seems to think)? Seems far too late for a launch, especially if things need to be adjusted and the PR machine launched before Xmas. I just don't believe it. The latest launch in a calendar year so far was Spain on the 1st December 2016 and that was with a very small set of banks, nothing close to the German launch.
[doublepost=1543415126][/doublepost]
I love their ad! Reminds me of the old iPod ones...They look sooo happy
The sad thing is: Those reactions are real in Germany. "What?! He's paying with his phone?! GET HIM!"
Does anybody from Belgium/Brussels know, whether it was possible to pay with Apple Pay/NFC at the Brussels Apple Store in the past couple of months, i.e. did they have their Isaacs enabled for Apple Pay before today's launch?
And if not, has anybody been to Apple Brussels today and knows whether it is possible as of today?
And if not, has anybody been to Apple Brussels today and knows whether it is possible as of today?
Not from Belgium, but I can say that the Isaacs in Germany weren’t enabled last Saturday.
If Apple Pay does not launch tomorrow, I can tell you at least if the Isaacs were enabled in the meantime because I‘m going to the Apple Store again tomorrow.
You sure about that...?
https://web.archive.org/web/20181117141751/https://www.apple.com/de/apple-pay/
Sadly the terminals have still not been updated at German Apple Stores. I'm assuming they do that after the shop closes / overnight. Question is: Do they do that the night before or are they going to take much longer?
Either way it's quite pathetic!
So for Germany, I can tell that the Isaacs should be contactless compatible, I believe they have just disabled contactless. But they do have the four LEDs above the Display, with the first one flashing, indicating that they are NFC compatible on other terminals.
Found it... https://twitter.com/ChristophBauer/status/1067775305325125633
Btw Societe Generale has a 75% stake in Hanseatic Bank (in case you didn't know).
Btw Societe Generale has a 75% stake in Hanseatic Bank (in case you didn't know).
And right in time for the probable launch of Apple Pay tomorrow, all my AP ready cards arrived (N26, bunq, comdirect since 2 years)
Only thing left is waiting...
Btw, it could be possible that Revolut launches Apple Pay tomorrow as well since a developer working there said last week that Apple Pay‘s launching „REAL soon“ hmmm
Only thing left is waiting...
Btw, it could be possible that Revolut launches Apple Pay tomorrow as well since a developer working there said last week that Apple Pay‘s launching „REAL soon“ hmmm
And right in time for the probable launch of Apple Pay tomorrow, all my AP ready cards arrived (N26, bunq, comdirect since 2 years)
Only thing left is waiting...
Btw, it could be possible that Revolut launches Apple Pay tomorrow as well since a developer working there said last week that Apple Pay‘s launching „REAL soon“ hmmm
For how long did they announce Apple pay as soon?
- so the REAL soon can still take yearsFor how long did they announce Apple pay as soon?
Well, their logo has been marked as Coming soon on the French Apple Pay page since about June, don’t think that Apple would’ve allowed them to put that on there if it were to launch in 2019.
I don't like the fact that bunq only lets you use their cards if you pay for their premium plan.And right in time for the probable launch of Apple Pay tomorrow, all my AP ready cards arrived (N26, bunq, comdirect since 2 years)
Only thing left is waiting...
Btw, it could be possible that Revolut launches Apple Pay tomorrow as well since a developer working there said last week that Apple Pay‘s launching „REAL soon“ hmmm
I know they've offered a limited plan for free, but that's only for new customers...